William M.

Being young and stupid with my finances got me into a pickle. But, I'm slowly working my way out of the hole I dug and PerPay has allowed me to be slightly more fiscally responsible than I have in the past while I get to enjoy some great new items without having to wait. Perpay allows me to purchase items like on a layaway program, but instead of the items collecting dust in the back bin of a store, I get to use them immediately (upon delivery of course). They have high end and big brand name products and they typically will order them from a reputable store like Best Buy but they also use a 3rd party fulfillment center that has questionable shipping/storage procedures but it isn't a deal breaker.

Perpay makes their money on over pricing items by about 30-50% on top (if an item costs $300 at Best Buy, they will charge $430-$450 for the same exact item on their site), and they over charge for shipping (every thing has a shipping cost even if you purchase multiple items in a single order). But, they are floating the cost of the items up front and you essentially pay them back over time, so I get that they have to make their money somewhere.

Their site is slow, usually has only 1 image of the item and the description, if provided, is ripped right from the site they are ordering from, again think item description from Best Buy but smashed into a paragraph on their site. I usually have to locate the item on another website to get multiple images of what the item looks like and to get a more detailed description and/or video. Their app is basically a mobile version of their website and it's just as bad.

As for customer service, they are atrocious. It takes days to get a response and even then it's difficult to get someone to respond, even if you respond immediately to an email, within 24 hours. Conversations take forever. They have done right by me though. I had a damaged in transit item that they replaced (The replacement was at my door within 48hrs (I think I was extremely lucky)), but remember I mentioned the 3rd party vendor for some items? Well, both times I've ordered from them and the item was from that 3rd party vendor, the item had come damaged. Even the replacement was cosmetically damaged. But they did right by us and got me replacement items without much fuss. Returns are a pain in the butt and I can't blame them since they are trying to hold the 3rd party vendor accountable and the 3rd party vendor just isn't having it. So, I've had to play middle man a few times. It comes with the territory and I realize they are no Amazon.

While this site has it's issues, I feel that they offer a service that has helped me get the items I wanted/needed without much fuss. I've been using them for over a year and I will continue to use for their convenience.